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Santander: 123 current account (discontinued) reviews

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4.12

Based on 1,276 reviews, last reviewed 18th Jun 2026

17% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Everything Brilliant Interest on my account, cash back on utilities, only £500 a month needs to go in the account. There’s always somebody available on line, in branch or ... Read more Reviewed on: 18th June 2026

Latest lowest rating:

2

PROBLEM AFTER PROBLEM SO HAVE TRANSFERED TO NAYIONWI... PROBLEM AFTER PROBLEM SO HAVE TRANSFERED TO NAYIONWIDE AND NOW RECEIVE A MUCH MORE CUSTOMER FOCUSED BANK Reviewed on: 25th March 2026

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About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Review Santander: 123 current account (discontinued) now

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Santander 123 current account (discontinued) reviews (1276)

Excellent customer service and good interest rate

I have had an account here for many years but was advised to change to their 123 account. I was disappointed to hear of the recent account fee rise but it still pays for us to remain with the account. I have always found the staff to be very helpful either in branch or via other methods of contact. Reviewed on: 18th February 2016

I cannot recommend enough !

I had been with a rival bank for my entire adult life - I only knew how one bank worked ! I changed to Santander about 8 months ago and I am so impressed ! The baking is so user friendly - they have so many security features that I find useful - they tell you when you last logged in and what you looked at so you will be able to see instantly if someone may have accessed your account - when you use the cashpoint you can have a receipt emailed to you - the customer service is excellent - add to this that you receive interest and cashback on your bills - it cannot be beaten ! Reviewed on: 18th February 2016

Great online banking

Fab product, easy to manage and pays good interest and cashback. Reviewed on: 17th February 2016

ABC easy as 123 - current account!

I love my current account the only thing I would change is how when your 16 you can get an overdraft. I think that at 16 years old you shouldn't be-able to spend money that you don't actually have in your account. I am 19 now but I remember when this happened to me it was only £2.62 but I didn't realise until my statement came through. Reviewed on: 16th February 2016

Offers good service & competitive products.

I find their staff friendly & helpful at keeping updated about new products, offering appointments with an adviser as necessary. Reviewed on: 16th February 2016

good customer service

I have been with this bank for a number of years. I am very pleased with the competitive interest rate offered for the 123 Account. Initially on set up of the account it took a little longer than desired to receive my cheque book to gain access to my money - this was very quickly dealt with and I was offered a substantial amount of money (I think) for compensation for my inconvenience. This has happened on another occasion when I wasn't happy and again rewarded in money for my inconvenience. I think , for me, they are a very understanding bank and I am very happy with both interest rate and customer service. If you are signed up to internet banking they are very easy to contact and respond very quickly to any query Reviewed on: 16th February 2016

Ok, but ...

Getting lots of mailings about taking out their credit card and also loans, fed up with now Reviewed on: 14th February 2016

The 123 Account performs exactly how the banks adverts claim

Very satisfied with Santanders performance. Reviewed on: 14th February 2016

I use the branch

I like the idea of having access to a branch to sort out problems or answer questions. This is why I stick with Santander. Reviewed on: 13th February 2016

Great product, love the cash back and interest rate.

A great product to have, cash back on normal spends more than cover the fee and the interest rate is really good for savings. Reviewed on: 13th February 2016

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